Today we’d like to introduce you to Avi Grunwald.
Hi Avi, we’d love for you to start by introducing yourself.
I started Fair Capital in 2017 with a very simple idea: businesses should not have to feel helpless when someone owes them money.
Over the years, I kept seeing the same problem. Good businesses would provide a service, deliver a product, or do their part honestly, and then they would be forced to chase payment for months. Sometimes the debtor had excuses. Sometimes they ignored every call and email. Sometimes they gave just enough hope to keep the business waiting. For a small or mid-sized company, that is not just frustrating. It can hurt payroll, cash flow, growth, and the confidence of the people running the business.
That is where Fair Capital came from.
I did not want to build just another collection agency that sends a few letters and gives up. I wanted to build a company that treats every account seriously, reviews the facts, understands the documentation, communicates professionally, and pushes for the best possible result. Collection work is not only about being aggressive. It is about being strategic. You need persistence, but you also need judgment. You need to know when to negotiate, when to press harder, when a dispute is real, and when it is simply a delay tactic.
What makes this work meaningful to me is that behind every account there is usually a real business owner, controller, CFO, office manager, or medical practice trying to do the right thing. They are not looking for drama. They just want to be paid for work that was already done. I take that seriously.
At Fair Capital, we have worked with many types of businesses, from commercial service providers to medical offices and companies with large unpaid invoices. Each case is different, but the goal is always the same: recover as much as possible while handling the matter professionally and responsibly.
One thing I am proud of is that we do not look at collections as a mechanical process. We look at the full picture. What documents exist? Who approved the work? Was there a payment history? Is the debtor still operating? Is there a real dispute or just another excuse? What leverage do we have? What is the fastest practical path to recovery?
That mindset has helped us build a company focused on results, not just activity. Anyone can say they are “working the account.” The real question is whether the account is being worked properly.
Fair Capital was built around that standard. We work hard, we stay persistent, and we try to give our clients the confidence that their accounts are being handled with care and determination.
For me, this business is personal because I know how much it matters when a client finally receives payment after being ignored for months or even years. That moment reminds me why I started Fair Capital in the first place.
Would you say it’s been a smooth road, and if not what are some of the biggest challenges you’ve faced along the way?
No, it definitely has not been a smooth road.
When I started Fair Capital, I had to build trust from the ground up. Debt collection is an industry where people are naturally cautious, and for good reason. Clients want to know that you will represent them professionally, follow the law, communicate properly, and actually get results. That trust is not given automatically. It has to be earned one client, one account, and one result at a time.
One of the biggest challenges was building a company in an industry that many people misunderstand. Collection work is not just about making phone calls or sending demands. Done properly, it requires strategy, documentation review, persistence, compliance, negotiation, and good judgment. I had to build a process that was strong enough to recover money, but professional enough to protect the client’s reputation.
Another challenge was learning how different every account can be. Some debtors simply need structure. Some need pressure. Some raise real disputes. Others use disputes as a delay tactic. Some accounts require patience, while others require fast escalation. Over time, we learned that success comes from treating each account seriously and not using a one-size-fits-all approach.
There were also the normal challenges of growing a business: building systems, hiring the right people, training staff, earning client confidence, and staying consistent even when things are difficult. In collections, results matter, but the way you get those results matters just as much.
What helped me get through those challenges was staying focused on the reason I started Fair Capital in the first place. Businesses deserve to be paid for work they performed. When a client tells us they finally recovered money after being ignored for months or even years, it reminds me why the hard work is worth it.
So no, it was not always smooth. But those challenges forced us to become better, more disciplined, and more focused on achieving maximum results for our clients.
Appreciate you sharing that. What should we know about Fair Capital?
What I would want readers to know most is that Fair Capital’s growth has been built on trust, and I do not take that for granted.
I am very grateful to the clients who believed in us when we were still a young company. They gave us the opportunity to prove ourselves, and that trust helped us grow in ways I could not have imagined at the time.
Today, we are fortunate to work with many businesses, including large corporations and well-recognized firms that people know and trust. Fair Capital has also been recognized by many as one of the top debt collection agencies in the United States. That means a lot to me, but I also understand that recognition is not something you simply receive once. It is something you have to keep earning every day.
I am especially grateful to our employees. Their hard work, patience, persistence, and dedication to our clients are a major part of anything we have been able to accomplish. I could not have done it without them.
More than anything, I want people to know that behind Fair Capital is a team that is grateful for the trust our clients place in us and works hard every day to live up to that trust.
So, before we go, how can our readers or others connect or collaborate with you? How can they support you?
The best way to work with us is really simple: reach out, have a conversation, and let us understand what you are dealing with.
For businesses that have unpaid accounts, we are always happy to review the situation and see if it is something Fair Capital can help with. Sometimes the account is ready for collections right away, and sometimes the business just needs guidance on the best next step. Either way, we try to be honest, practical, and helpful.
We are also always open to building relationships with businesses, law firms, accountants, consultants, and professionals who work with companies that may need help recovering past-due accounts. A lot of our growth has come from trust and referrals, and we are very grateful for that.
The greatest support people can give us is their trust. Whether that means becoming a client, referring someone who may need help, or simply sharing their experience with Fair Capital, it means a lot. We do not take any opportunity for granted, and we work hard to earn that trust every day.
Contact Info:
- Website: https://www.thefaircapital.com
- Instagram: https://www.instagram.com/faircapitalllc
- Facebook: https://www.facebook.com/thefaircapital
- LinkedIn: https://www.linkedin.com/company/fair-capital
- Twitter: https://twitter.com/FairCapital
- Youtube: https://www.youtube.com/watch?v=M6hdg0WVARQ
- Yelp: https://www.yelp.com/biz/fair-capital-new-city
